the Pension Scheme Tax Reference if you're using your own registered scheme

a copy of your scheme trust and rules if you're setting up an excepted group life policy

3. Check for medical underwriting

We can usually cover most employees without needing personal health details. However, there are times when we need to ask employees about their health and hobbies to help us decide if we can cover them.

If you're switching the insurance of an existing scheme to us, we can usually cover the employees that your previous insurer had already underwritten but not necessarily at the same cost.

4. Setting up the policy

Carefully check through your quote before setting up your policy. Contact us if you need to make changes, or have any questions.

If you used our Online Quote and Buy service for a quote, you can quickly set up your policy using the same system. You'll have instant access to your policy document, your first account and other important documents as soon as you start cover.

For all other quotes we can agree to start cover by email, we'll need to receive the following items within 14 days after the policy starts:

A completed proposal form

A direct debit mandate for monthly premiums, or a deposit for annual premiums.

Up-to-date employee details

If you're setting up an excepted group life policy, a copy of your scheme trust and rules

We'll then provide you with:

A policy document.

A final account

We'll continue to provide cover and pay any valid claims as long as premiums are paid and the policy terms are met.

Policy terms will be unique to each business and there are some circumstances where we won't provide cover.